Hi Terry, an expense in KashFlow is essentially just a purchase that is paid immediately. To set up a recurring expense, you would just need to create Suppliers for each of the expenses you have each month - e.g. for water bill - set up your water company as a supplier, then set up a recurring purchase and select "Record a Payment" option. You can then fill in how the payment is made each time. I hope this helps but if you have further questions please contact Support@KashFlow.com